Given the tool's complexity, does the description cover enough for an agent to succeed on first attempt?
For a one-parameter tool with an output schema, the description covers all essential aspects: what happens, conversion rate, card behavior, merchant restriction, prerequisite check, and user consent. It doesn't explain every edge case but points to get_rewards for balance/minimum, which is sufficient for correct invocation. This is complete for the tool's simplicity.
Complex tools with many parameters or behaviors need more documentation. Simple tools need less. This dimension scales expectations accordingly.